DSCR INVESTMENT PROPERTY LOANS · CALCULATORS
DSCR Calculators
Five tools for evaluating rental property deals. Run the math yourself before you call.
How to Use These Calculators
Start with DSCR Ratio. Then use the right tool for your deal stage. Click any item below to jump to its calculator.
Will this property qualify for a DSCR loan?
Find out in 60 seconds.
Skip the tax returns, pay stubs, and DTI math. DSCR loans qualify on one thing — whether your rental property's income covers the mortgage payment.
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Cash-Out Refinance DSCR
Calculate post-refinance DSCR after pulling cash out — see if your rental income covers the new loan.
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BRRRR Loop Projection
Buy · Rehab · Rent · Refinance · Repeat — project your investor loop.
| Cycle | Invested | Cash Back | Portfolio ARV |
|---|---|---|---|
| 1 | $205,000 | — | $275,000 |
| 2 | $159,875 | — | $550,000 |
| 3 | $114,750 | — | $825,000 |
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Cash-on-Cash & Cap Rate
Side-by-side investor metrics — Cap Rate and CoC — to evaluate rental property deals.
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Investor Flex — Max Borrowing Capacity
Given a property's expected rent, find the largest loan that still hits your DSCR target.
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DSCR Ratio
Your starting number. The qualifying ratio.
DSCR = Net Operating Income ÷ Annual Debt Service. If it's 1.25 or higher, most lenders fund. Below 1.0 means rents don't cover the mortgage — you'll need to bring cash to closing.
Who uses this?
First-time DSCR borrowers · Buy-and-hold investors evaluating a deal · Anyone running their first rental property.
When to use it
Use this BEFORE making an offer on a rental property. The DSCR Ratio tells you whether the rents alone qualify you — no W-2, no DTI math, no tax-return scrutiny.
DSCR Investor Hub
How to Use the DSCR Calculator Step-by-Step
Walk Through It →
The Complete DSCR Loan Guide for 2026
Read the Full Guide →
DSCR Loan Requirements: 2026 Investor's Checklist
Get the Checklist →Cash-Out Refi DSCR
Pull equity. Stay qualified.
You own a rental with equity built up. You want to pull cash out to fund the next deal. This calc shows whether the new (larger) loan still qualifies under DSCR — accounting for the higher payment.
Who uses this?
Existing rental owners scaling their portfolio · BRRRR investors at the refi step · Owners with appreciation looking to redeploy capital.
When to use it
Run this BEFORE applying for a cash-out refi. If post-refi DSCR drops below 1.25, the lender will likely cap your loan amount — better to know before you commit.
DSCR Investor Hub
Cash-Out Refi with DSCR: The Numbers
See the Math →
Scaling Past 10 Properties: The DSCR Switch
Read the Switch Strategy →BRRRR Loop
Project the recycle. See cycle 1 → cycle 5.
BRRRR = Buy, Rehab, Rent, Refinance, Repeat. This calc projects whether your purchase + rehab + ARV numbers leave enough cash at refi to fund the NEXT deal. Multi-cycle projection shows where you'll be in 1-5 deals.
Who uses this?
Active BRRRR investors · Fix-and-flippers transitioning to long-term holds · Aspiring portfolio builders modeling year-1 strategy.
When to use it
Run this BEFORE making an offer on a BRRRR target. If cash-back at refi is negative, the deal traps your capital. The 5-cycle view tells you how fast you'll hit your portfolio milestone.
DSCR Investor Hub
BRRRR with DSCR: The 2026 Scaling Playbook
Read the Playbook →
Scaling Past 10 Properties: The DSCR Switch
Break the Ten-Property Wall →Cash-on-Cash & Cap Rate
Two side-by-side metrics. The investor's #2 and #3 numbers.
After DSCR qualifies you, every investor checks Cap Rate (NOI ÷ purchase price) and Cash-on-Cash (annual cash flow ÷ cash invested). This calc shows them side-by-side so you can compare deals fairly.
Who uses this?
Investors comparing 2-3 properties at once · Buyers evaluating cap-rate vs. CoC tradeoffs · Portfolio managers tracking ROI across holdings.
When to use it
Run this AFTER you've confirmed DSCR qualifies. Cap Rate tells you if the property is priced right for the market. CoC tells you what your invested cash actually returns annually.
DSCR Investor Hub
DSCR vs DTI: Why Investors Are Switching
Compare the Approaches →
Denver DSCR Market Snapshot — Q2 2026
See Denver Market →
Colorado Springs DSCR Market Snapshot — Q2 2026
See CO Springs Market →Investor Flex (Borrowing Capacity)
Find your maximum loan at any DSCR target.
Given a property's expected rent and a target DSCR (default 1.25), this calc back-solves the maximum loan amount that hits your target. Shows implied LTV and required down payment.
Who uses this?
Investors planning a new acquisition · LLC borrowers stress-testing scenarios · Anyone asking 'how much can I borrow on this property?'
When to use it
Use BEFORE you make an offer to know your maximum financeable loan. Adjust the DSCR target to see how a more conservative threshold (1.30 or 1.40) reduces what you can borrow — useful for stress-testing.
DSCR Investor Hub
DSCR for LLC Borrowers: Entity Structuring Guide
See the LLC Guide →
Colorado DSCR Market Overview 2026
See Statewide View →All calculators provide estimates only. Actual approval, loan amount, and DSCR depend on verified rental income, credit, reserves, and lender overlay. Not a commitment to lend. NMLS #2587985 — Licensed CO.